CLEAN UP YOUR CREDIT REPORT YOURSELF!

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This is a basic overview of steps you can take….ON YOU OWN…..to clean up your Credit. Using these tools and doing your Due Diligence will work in your favor much faster than you realize. I have watch numerous time people raise their FICO Scores over 100 Points in 30 to 60 days! Applying for basic services at One of the credit reporting agencies ie; Experian…..Can also help you to monitor and make corrections as needed…..Generally it will also allow you to link in and dispute items on the other two agencies as well…..Blessings and Good Luck!! Tools like this are also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer

Courtesy of www.crown.org

CHECKBOOK LEDGER

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This form is for those that want to keep an additional record outside of their regular checkbook ledger. If you are doing all ATM Transactions it may be a good idea to keep this in a notebook that you take with you. This so you write each Electronic Transaction down as you make them. Remember a little redundancy never hurts! Tools like this are also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.

Courtesy of www.crown.org

FINANCIAL STATEMENT

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This form simply calculates your NET WORTH and how your assets and liabilities are held. This is a needed and useful tool for everyone and helps us to “Know Where We Stand” financially. It is requested in many cases when applying for a loan….So it is good to keep your Financial Statement up-to-date. This tool is also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.

Courtesy of www.crown.org

LIFE INSURANCE WORKSHEET


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Life Insurance is, in my book, more important than Health Insurance!….You see, if you get sick or injured, you WILL get treated….Even if you don’t have the money. IF YOU DIE NOBODY CAN HELP YOU!! If you have not done it sit down right now and calculate your Life Insurance Needs! The multiplier use on the worksheet uses 12.5% of income, however you should use 10% to 20% of gross income when calculating your needs. Our “D.I.M.E.” Life Insurance Calculator is also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.

Courtesy of www.crown.org

MONTHLY INCOME AND EXPENSES

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Our most useful Budgeting Tool!! I tell clients to go make twenty (20) copies, go home, and “Doodle”……Crunch the numbers……Make it work! This page should be the one used most in your efforts to become Debt Free. Our “Monthly Expense Breakdown” Page is also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.

Courtesy of www.crown.org

LIST OF DEBTS

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I recommend the purchase of a small Dry Erase Board to hang in your home where you list you debts in plain sight! Using this sheet is critical for you to “Just Pay Attention”……We have been using the Dry Erase Board in our family for years and will continue to do so…..Thankfully it is nowhere near as full as it used to be!!

You are simply more apt to keep up on paying Stuff off it is in front of you frequently. This is a critical planning tool…..SO START USING IT NOW!! Tools like this are also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.

Courtesy of www.crown.org

INCOME ALLOCATION

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This will help you Categorize and “Allocate” your budget items into Amounts or Percentages based on your Income/Pay Periods. As I have said before, Redundancy Never Hurts! Tools like this are also available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.
Happy Budgeting!

Courtesy of www.crown.org

WHAT THE LIFE INSURANCE COMPANY RATINGS MEAN

When quoting on our Web-Site the company rating is always listed in plain view. Insurance Company Ratings are critical when choosing a carrier to place your business with. We maintain a relationship with “A” Rated carriers across the board, so our clients can feel confident with each and every carrier represented through our company. Insurance Company Ratings and other tools like these are available in an encrypted electronic format at No Charge through our “Money Edge Pro” Personal Review Organizer.